Any employer worth their salt knows that without their employees, they have nothing.

So, a smart employer will always put Executive Income Protection in place to keep their staff safe and happy.

And if you are a Director of your own Limited Company, you'll want to ensure you're ok if the worst happens.

Now, I know some employers pride themselves on being the tightest in their industry, so we're talking to those who value their employees and want to look after them.

Because let's be honest, by looking after your employees, you're looking after your business too.

It's a magical trade-off that keeps everyone happy.

Aside from the odd ‘best teacher’ mug and ‘we'll miss you’ card you might get your hands on as the summer holidays creep in, teaching is a pretty thankless job.

But know this, I see you.

Not only do you educate my semi-feral children (more homework please, especially for the 11-year-old) but you also help them to navigate the difficulties of social interactions.

For those of you who work with our teens, well, good lord I don’t know how you do it.

The mood swings, and the Kevin and Perry style ‘why’s' have me pulling my hair out.

So, battling the constant nonsensical moaning from a class of 30+ Kevins must be soul-sucking at times.

And stressful.

But what if it becomes so stressful that you need an extended break on medical grounds?

Ah, accountants, the sort you wouldn’t want to corner you at a party because, well, yawn.

All those debits and credit swimming around your brain have replaced the chit-chat leaving only tax rebates and allowable income small talk, right?

You know I’m only messin.

After all, I peddle life insurance for a living, so accountancy is a relative blast. I make you look like a veritable rock star at a party.

Accountants, I tip my hat to you, you wonderful bunch of money savers.

Without you, I’d be slogging away come tax season, holed up in my cave, throwing papers around like a loon.

Is life insurance a big scam?

Do the insurers ever pay out?

These claim stats may surprise you.

So, you’re looking for the best income protection policy the world can offer, you’ve done all the research, you know income protection is the BEE’S KNEES, but you’re still not sold on which insurer to choose, and if you should go with the lads from Switzerland ??

I know; it’s like sending your toddler into the sweet shop. They know they want sweets, but which one will best serve their toddler-sized sweet tooth is an almost impossible decision. It’s the same for us and insurance, sort of.

A child would never choose Swiss Chocolate, far too rich and not enough sugar but should you go to Zurich for your income protection?

Let’s see,

I’ve rounded up the top 3 policy benefits on income protection from Zurich Life that might tip the scales in their favour.

First up….

Can I be brutally honest with you?

And I don't mean honest in a your bum looks big in that sort of way.

I mean really honest.

Ok?

Here goes...

When researching income protection, customers often ask us this question:

Will the insurance company help me to get back to work?

Here's the answer:

You're seriously considering income protection.

But how can you be sure you're buying the best policy for you?

Speak with an independent broker who knows the 5 insurers inside out.

With so many different variations of insurance out there, I know it can get overwhelming.

Many of us think that we're good to go once we have health insurance.

But health insurance has a few sneaky limitations that might not seem like such a big deal until you're in the midst of a medical emergency.

Income protection premiums can seem expensive especially compared to something like mortgage protection which is cheap as old chips.

Why does income protection cost more?

Well, simply because you're less likely to die during the term of your mortgage protection; the risk of you making a claim on income protection is much MUCH higher.

And if the insurer gets a whiff that they may have to pay out, they hike your premiums to cover their butt.

Fortunately, tax relief on your income protection can reduce your premiums by up to 40% making it a more attractive proposition.